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cibil

  1. H

    HDFC reported Late Payment on CIBIL for Pre Payment!

    Yes you read that right! HDFC actually marked an Loan EMI as late payment for making an advance payment. So let me explain in detail... I have an Home Improvement Loan for which my account is automatically debited on every 15th through NACH Mandate. On 26th August I made a request for two...
  2. R

    Bank froze savings account so Loan EMI missed

    I have a savings account with Central Bank of India. I have set up E-Mandate to auto-debit towards my Kotak Personal Loan for Dec 2 2024. On Dec 1 2024, my savings account was frozen citing KYC renewal which made my Personal Loan auto-debit miss. I contacted Central Bank, finished my video KYC...
  3. dileep

    Regalia HDFC cibil issue

    Hi my HDFC cc have 55rs due amount last month ,when I tried to pay few times through cred and Paytm amount refunded back now when I checked cibil score there is late payment and cibil is down by 80 points. how to resolve this pls help
  4. L

    Can a cibil hit from ICICI bank be reverted ?

    I recently by mistake forgot to pay a credit card due , but the moment i got an alert via email/sms - I paid it immediately. But nearly 60 points dropped stating that i missed 1 payment. Recently did late payment after receiving email notifications about the miss of payment, I called upon my...
  5. S

    When and how SBI card updates CIBIL - Used 90+% limit, 5th Bill date. Paid 50% of outstanding.

    My mother has a SBI CC (her only CC), she used it for paying Tution fee - which was ~95% of limit (her total limit, as she has only this card). I got to know now and paid 50% of it to the card and it got reflected in app. Any idea when SBI updates CIBIL? Does it take into account the whole...
  6. G

    Spam cibil score check offer from the money fair akiko

    I got on whatsapp this spam advertisement from The money fair, akiko Your CIBIL score's updated. Check and download the report. Access credit card and loan offers now! How do they get your numbers? CIBIL? HDFC credit card? Insurance companies ? Data leaks? CDSL? CAMS?
  7. N

    Wrong missed EMI mark on CIBIL by HDFC loans

    Hey guys, This is a very late observation from my side as I never seriously checked the CIBIL report until I joined this forum. And I need help on the below. I have taken a Home Loan from HDFC LTD sometime during August, 2020. Well, the application process started in late August and was...
  8. aniketkr.sharma

    Cancelled Magnus and need help

    Hi @TechnoFino as you already had the same scenerio with idfc, did they asked for full cibil report? (Entry for closed mayura card).
  9. S

    CIBIL signup documents question

    If you look to sign up to Cibil, it asks mobile number/e-mail account and potentially ID to create an account. I assume the main identifier for CIBIL has to be PAN right (which weirdly they're not compulsorily asking for at sign up time? ) If I signed up using a secondary mobile/email and say...
  10. Hritaban

    Unauthorised CIBIL enquiry by Bajaj Auto Finance for Consumer Loan

    Got a sudden CIBIL enquiry by Bajaj auto finance today for a consumer loan I never applied for. Never had a banking history with Bajaj Finance, never used any 'Pay-later' schemes, never even registered for Bajaj services. How to get this enquiry removed?? Was trynna keep my enquiries low to...
  11. V

    Supermoney fd credit card reporting to CIBIL

    Need some clarification regarding supermoney Utkarsh bank FD credit card reporting to CIBIL, do they report your employment type and annual income as declared by applying for card to CIBIL? I have recently applied for this card specifically to rectify my erroneous annual income reported to CIBIL...
  12. SillyTechMan

    How many new credit cards can I get approved in a month / quarter / half year without affecting my cibil score drastically?

    I'm new to the credit card maximisation game and want to know how many new credit cards can I add to my portfolio in the same month / quarter without seeing too much downside on my cibil. My cibil was 800 with 8 years credit history; and after 4 hard enquiries this month in search of adding best...
  13. O

    Cancelled kotak card in February but till showing active in cibil report

    Hello In 2024 Feb my zen card has been cancelled I received sms also but till now it is showing as active in cibil report how can I fix this?
  14. saver-user

    Advice Needed: Incorrect CIBIL Reporting & Unresponsive Loan Agency Despite Unnecessary Payment

    I’m dealing with an ongoing problem with a loan account that was initially with Axio and later managed by Asset Care Financial Services. Despite proving that I didn’t owe them anything, I ended up paying the principal just to settle the matter—but it’s still causing issues. Here’s a breakdown...
  15. R

    Credit Score decreased as UCO Bank reported late payment of cibil charges payment

    I have recently taken a home loan on which the uco bank has reported my cibil checking charges payment to be overdue of 1 day. This made my cibil score decrease by 24 points( 784 to 758). I did not received any sms or email from the bank or the Branch manager that it is overdue but now when i...
  16. Z

    Closed loan showing active in cibil all of a sudden

    I checked my cibil today and an old bajaj finserv consumer loan closed in 2018 is showing active all of a sudden. All my earlier cibil reports have the said loan as closed account. Raise a dispute only has one option of this loan account does not belong to me. Clicking that would be...
  17. Hritaban

    Extra Cibil enquiry removal for applying for Tata Neu

    Recently I got a referral link for Tata neu LTF and followed up the link to find the offer on my hdfcbank website (There was no cibil hit there as It was 'chose your card' > 'confirm your details'). As I was getting only neu plus ltf, I thought of checking the TATA neu app, there after putting...
  18. Abhishek007

    Getting Cibil alerts for loan and credit card, which I didn't apply for.

    I recently received four alerts from CIBIL - 2 regarding a new address and 2 about credit and loan accounts being added. I haven't applied for any of these. What should I do? Does anyone know the steps I should take to get these loan and credit card accounts removed?
  19. JoshuaJebaraj

    CIBIL Report Change Alert - Unable to View Recent Enquiries

    Hey folks, Recently I received an email stating Alert from TransUnion CIBIL - Your CIBIL Report has changed on October 25th. However, when checking my CIBIL status on GPay (on the same day, October 25th) and today on the Amazon Pay app, I don't see any enquiries. I tried to refresh the CIBIL...
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